As a homeowner, one of the most important decisions you will make is choosing the right insurance coverage for your home. Homeowner’s insurance offers protection against theft, fire, damage, and even liability claims. Choosing the right coverage and insurance agent can feel overwhelming, but it doesn’t have to be. In this blog post, we will discuss what to look for in home owner’s insurance and how to find the best insurance agent for you.


1) Coverage:

The first thing you should consider when choosing home owner’s insurance is the level of coverage you need. Carefully review your policy, and ensure that it covers the property, personal belongings, and any liability claims. Check for exclusions, such as flood or earthquake damage, and consider purchasing additional coverage if necessary. It’s also important to understand your deductible and make sure it’s an affordable amount.

2) Reputation and Financial Stability:

When shopping for an insurance agent, look for a reputable company with a good financial history. A company with long-standing financial stability and a trusted reputation is more likely to be able to pay out claims when needed. Check online reviews and ask for recommendations to find an agent who prioritizes customer service.

3) Discounts and Bundles:

Take advantage of potential discounts and bundle options. Many insurance companies offer discounts for home security systems, fire alarms, and multiple policies. Don’t be afraid to ask about potential discounts or ways to lower your premiums.

4) Communication and Accessibility:

Choose an insurance agent who is easily accessible and communicates clearly. If you have questions or need to make a claim, you’ll want to feel confident that you can reach out to your agent and receive prompt assistance. Make sure to read reviews on the agent’s communication skills, looking for a prompt response to questions and frequent updates when pursuing a claim.

5) Comparison Shopping:

Don’t be afraid to shop around and compare prices and coverage options. Get quotes from several agencies, and compare policies to ensure you’re getting the best possible coverage for your budget. You may find surprising differences in pricing and options from one company to another.


Choosing the right homeowner’s insurance and agent can make all the difference when facing unexpected expenses or damage to your property. Take your time to consider your needs, compare options, and speak with agents, and you’ll be sure to find the perfect coverage for you. By reviewing the coverage offered, checking for a reputable and financially stable provider, looking for potential discounts, prioritizing communication, and comparison shopping, you’ll be best prepared to make the best decision possible.

We Work With Top Rated Insurers to Find the Best Policies

It can be tough to find an independent insurance agent that takes care of you, the insured. That’s who we are, we take care of our customers first, we work for you, not the insurance company.  From Naperville, to Bloomingdale, down to Palos Park, we can get you covered.